JP7227722B2 - Difference item automatic discrimination device, difference item automatic discrimination method, and difference item automatic discrimination program - Google Patents

Description

The present invention relates to a different item automatic discrimination device, a different item automatic discrimination method, and a different item automatic discrimination program.

Japanese Patent Application Laid-Open No. 2002-200002 discloses a configuration that compares past data and latest data entered in an electronic form and clearly indicates a changed part.

JP 2008-171213 A

However, in the invention described in Patent Document 1, it is possible to compare the differences between the past data and the latest data for the items to be entered in the electronic form of the tax exemption application form, and to clearly indicate the changed parts, but the loan examination , there was a problem that it was not possible to compare whether there are differences between two applications with a time gap and to clearly indicate the changed parts.

The present invention has been made in view of the above problems, and is a difference item automatic discrimination device that can compare with a plurality of arbitrary application contents and automatically display the differences in the application contents in the loan examination business. It is an object of the present invention to provide a difference item automatic discrimination method and a difference item automatic discrimination program.

In order to solve the above-described problems and achieve the object, the difference item automatic discrimination device according to the present invention is a difference item automatic discrimination device comprising a storage unit and a control unit, wherein the storage unit comprises a loan examination history storage means for associating the application data applied for in step with a history identifier and storing it as an application history, the control unit comprising a comparison application history acquisition means for acquiring the application history to be compared as a comparison application history; It is characterized by comprising difference extraction means for extracting difference items between the comparison application histories and difference output means for outputting difference contents in the difference items in a comparable manner.

Further, in the difference item automatic discrimination apparatus according to the present invention, the storage unit further includes difference confirmation target storage means for storing a difference item master in which items to be difference confirmation targets are set, and the difference extraction means The difference item between the comparison application histories is extracted from the difference confirmation target items set in the difference item master.

Further, in the difference item automatic discriminating apparatus according to the present invention, the comparison application history acquisition means selects the application history to be compared and acquires the application history as the comparison application history.

Further, in the difference item automatic discrimination device according to the present invention, the comparison application history acquisition means causes the application history to be compared with the latest application history to be selected, and the latest application history and the comparison target application history. The application history is acquired as the comparative application history.

Further, in the difference item automatic discrimination device according to the present invention, the comparison application history acquisition means selects the application history to be compared, and when the application history of the main examination is selected, the application history of the main examination and When the application history of the pre-examination for the main examination is acquired as the comparative application history, or when the application history of the pre-examination is selected, the application history of the pre-examination and the application history of the main examination for the pre-examination is obtained as the comparison application history.

Further, in the difference item automatic discrimination device according to the present invention, the comparison application history acquisition means causes the application history to be compared to be selected, and when the application history of reapplication is selected, the application history of the reapplication and When the application history of the rejection application for the reapplication is acquired as the comparison application history, or when the application history of the rejection application is selected, the application history of the rejection application and the application history of the reapplication for the rejection application. is obtained as the comparison application history.

Further, in the difference item automatic discrimination device according to the present invention, the control unit includes application acquisition means for acquiring application data when there is an application for loan screening, and history registration means for registering an application history in the history storage means.

Further, in the difference item automatic discrimination device according to the present invention, the application data includes item data, property data, applicant/guarantor data, and/or fund data.

Further, the difference item automatic discrimination method according to the present invention is a difference item automatic discrimination method to be executed by a difference item automatic discrimination device having a storage unit and a control unit, wherein the storage unit stores the a comparison application history acquisition step for acquiring the application history to be compared as a comparison application history, which is executed by the control unit; It is characterized by including a difference extraction step of extracting difference items between the comparison application histories and a difference output step of outputting difference contents in the difference items in a comparable manner.

Further, a difference item automatic discrimination program according to the present invention is a difference item automatic discrimination program to be executed by a difference item automatic discrimination device having a storage unit and a control unit, wherein the storage unit stores the history storage means for storing the obtained application data as an application history in association with a history identifier; and in the control unit, a comparison application history acquisition step of acquiring the application history to be compared as a comparison application history; A difference extraction step of extracting a difference item between application histories and a difference output step of outputting the difference content in the difference item in a comparable manner are executed.

According to the present invention, since changes (differences) in the application history for loan screening are instantly clarified, there is no need to check all items again, and it is possible to greatly shorten the confirmation time of application details. Effective. That is, according to the present invention, it is possible to clarify and simply recognize the difference without reconfirming the contents. Moreover, according to the present invention, it is possible to shorten the examination time by eliminating double confirmation of the same application content. In addition, according to the present invention, changes (differences) from the previous application content for each application, such as final examination, which is the main application for preliminary examination in loan examination, or reapplication for rejected applications, can be displayed on the screen. The effect of being able to confirm with In addition, according to the present invention, the selection of a comparison target can be performed by displaying a list of application histories on the screen, allowing the user to select two of them, and extracting and displaying the differences between the two selected applications. It has the effect of being able to

FIG. 1 is a diagram showing an example of a basic scheme of loan screening business. FIG. 2 is a block diagram showing an example of the configuration of the difference item automatic discrimination device according to this embodiment. FIG. 3 is a diagram showing an example of an application file and a history file in this embodiment. FIG. 4 is a diagram showing an example of a difference item master in this embodiment. FIG. 5 is a flow chart showing an example of processing of the difference item automatic discrimination device in this embodiment. FIG. 6 is a diagram showing an example of history registration processing in this embodiment. FIG. 7 is a diagram showing an example of history registration processing in this embodiment. FIG. 8 is a diagram showing an example of the comparison application history acquisition process in this embodiment. FIG. 9 is a diagram showing an example of the difference output processing in this embodiment.

An embodiment of the present invention will be described in detail based on the drawings. In addition, this invention is not limited by this embodiment.

[1. overview]
First, the outline of the present invention will be described with reference to FIG. FIG. 1 is a diagram showing an example of a basic scheme of loan screening business.

As shown in FIG. 1, in the loan screening business, when a customer applies for a loan (step SA-1), the branch/member store requests the screening company/screening department to perform a preliminary screening (step SA-2). . Here, as indicated by the dashed arrow in Step SA-2 in Fig. 1, if there are any deficiencies in the application, the application may be rejected by the examination company/examination department, and the branch/affiliated store may reapply. . Then, as shown in FIG. 1, the screening company/screening department replies to the branch/member store with the results of the preliminary screening (step SA-3), and the branch/member store replies to the customer whether or not the preliminary screening is permitted (step SA-3). Step SA-4).

Then, as shown in Fig. 1, when a customer applies for a loan for final examination based on the preliminary examination result (step SA-5), the branch/affiliated store requests the examination company/examination department for the final examination. (Step SA-6). Here, as indicated by the dashed arrow in Step SA-6 in Fig. 1, if there are any deficiencies in the application, the application may be rejected by the examination company/examination department, and the branch/affiliated store may reapply. . Then, as shown in FIG. 1, the examination company/examination department replies to the branch/member store with the results of the final examination (step SA-7), and the branch/member store replies to the customer whether or not the final examination is permitted (step SA-7). Step SA-8).

Conventionally, in the loan screening process, as a result of inheriting the screening culture of each institution, such as the aging of the screening staff and the culture of prioritizing written documents, applications and screenings have been done in writing. Since all items were visually checked one by one on the screen or on the paper application form, it was necessary to spend time and effort to recheck all items each time a reapplication occurred. Since it was a visual confirmation, there was a risk of overlooking changes (differences).

Therefore, in the present embodiment, speedy response is important for the loan examination work itself, and paperless application and examination have been promoted to be paperless and digitized. It is possible to shorten the time while performing high-precision examination with few mistakes. Specifically, in this embodiment, at the processing stage surrounded by the dashed line in FIG. We achieve these by doing.

[2. composition]
An example of the configuration of the difference item automatic discrimination device 100 according to the present embodiment will be described with reference to FIGS. 2 to 4. FIG. FIG. 2 is a block diagram showing an example of the configuration of the difference item automatic discrimination device 100 according to this embodiment.

The difference item automatic discrimination device 100 is a commercially available desktop personal computer. In addition, the difference item automatic discrimination device 100 is not limited to a stationary information processing device such as a desktop personal computer, but also a commercially available notebook personal computer, PDA (Personal Digital Assistants), a smartphone, a tablet personal computer, etc. It may be a portable information processing device.

The difference item automatic discrimination device 100 includes a control section 102 , a communication interface section 104 , a storage section 106 and an input/output interface section 108 . Each unit included in the automatic discriminating device for different items 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 communicably connects the different item automatic discrimination device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with another device via a communication line. Here, the network 300 has a function of connecting the different item automatic discrimination device 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network).

The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 stores a computer program for performing various processes by giving commands to a CPU (Central Processing Unit) in cooperation with an OS (Operating System). As the storage unit 106, for example, memory devices such as RAM (Random Access Memory) and ROM (Read Only Memory), fixed disk devices such as hard disks, flexible disks, and optical disks can be used. The storage unit 106 includes an application file 106a, a history file 106b, and a difference item master 106c.

The application file 106a stores the (latest) application data applied in the loan examination. Here, the application data may include project data (project table), property data (property table), applicant guarantor data (applicant guarantor table), and/or fund data (fund table). good. Here, the item data may include basic data of application contents and the like. Here, the case data may include items such as the case number, reception shop identifier, date of reception, and/or examination category. Property data may also include real estate data to be built. Here, the property data may include items such as item number, zip code, address, area and/or structure identifier. Further, the applicant/guarantor data may include loan applicant data, guarantor (joint and several obligor) data, and the like. Here, the applicant guarantor data may include items such as the case number, related person number, applicant classification, gender, name and/or date of birth. In addition, the fund data may include examination application data and the like regarding loans for each target product, such as flat 35, bridge, contract payment bridge, comprehensive bridge, other bridge, long-term loans, and/or employee loans. Here, the fund data may include items such as project number, fund number, history number (latest), product code and/or borrowed amount.

The history file 106b stores the application data applied in the loan screening as an application history in association with the history identifier. Here, the history identifier may be a history number or the like. In addition, the application history consists of project data_history (project data_history table), property data_history (property data_history table), applicant guarantor data_history (applicant guarantor data_history table), and/ Alternatively, fund data_history (fund data_history table) or the like may be included.

Here, an example of the application file 106a and the history file 106b in this embodiment will be described with reference to FIG. FIG. 3 is a diagram showing an example of the application file 106a and the history file 106b in this embodiment.

As shown in FIG. 3, in this embodiment, an application file 106a storing the latest application data including the application data, the applicant joint and several debtor data, the property data, and the eight fund data, and the application history are stored. and a history file 106b.

Returning to FIG. 2, the difference item master 106c is a master in which items to be checked for difference are set.

Here, an example of the difference item master 106c in this embodiment will be described with reference to FIG. FIG. 4 is a diagram showing an example of the difference item master 106c in this embodiment.

In this embodiment, not all items in each table in the history file 106b are subject to difference confirmation, and whether they are subject or not is arbitrarily determined by the master setting in the difference item master 106c. , and the difference item master 106c is set as shown in FIG. date” can be the object of discrepancy confirmation.

Returning to FIG. 2 , an input device 112 and an output device 114 are connected to the input/output interface section 108 . The output device 114 can be a monitor (including a touch panel), a speaker, or a printer. The input device 112 can be a keyboard, a mouse, a microphone, or a monitor that cooperates with the mouse to provide a pointing device function. Note that, hereinafter, the output device 114 may be referred to as the monitor 114 or the printer 114 and the input device 112 may be referred to as the keyboard 112 or the mouse 112 .

The control unit 102 is a CPU or the like that controls the difference item automatic discrimination device 100 in a centralized manner. The control unit 102 has an internal memory for storing a control program such as an OS, a program defining various processing procedures, required data, and the like, and performs various information processing based on these stored programs. Execute. The control unit 102 functionally and conceptually includes an application acquisition unit 102a, a history registration unit 102b, a comparison application history acquisition unit 102c, a difference acquisition unit 102d, and a difference output unit 102e.

The application acquisition unit 102a acquires application data when there is an application for loan screening. Here, the application acquisition unit 102a may register (store) the acquired application data in the application file 106a. Here, the application acquisition unit 102a may overwrite and save the acquired application data to the (existing) application data stored in the application file 106a.

The history registration unit 102b associates the history identifier with the application data and registers it as an application history in the history file 106b.

The comparative application history acquisition unit 102c acquires an application history to be compared as a comparative application history. Here, the comparative application history acquisition unit 102c may select an application history to be compared and acquire the selected application history as a comparative application history. In addition, the comparative application history acquisition unit 102c selects an application history to be compared with the latest application history (application data stored in the application file 106a), and selects the latest application history and the application history to be compared. may be acquired as a comparison application history. In addition, the comparison application history acquisition unit 102c selects the application history to be compared, and when the application history of the main examination is selected, the application history of the main examination and the application history of the preliminary examination for the main examination are compared. Alternatively, if the application history of the pre-examination is selected, the application history of the pre-examination and the application history of the main examination for the pre-examination may be acquired as the comparative application history. In addition, the comparison application history acquisition unit 102c selects the application history to be compared, and when the application history of the reapplication is selected, the application history of the reapplication and the application history of the rejection application for the reapplication are compared. Alternatively, when the application history of the rejection application is selected, the application history of the rejection application and the application history of the reapplication for the rejection application may be acquired as the comparison application history. In addition, the comparison application history acquisition unit 102c may perform display control so as to select application histories to be compared.

The difference acquisition unit 102d extracts difference items between the comparison application histories. Here, the difference acquisition unit 102d may extract the difference item between the comparison application histories from the difference confirmation target items set in the difference item master 106c.

The difference output unit 102e outputs the difference content in the difference item in a comparable manner. Here, the difference output unit 102e may display the difference content in the difference item so that it can be compared.

[3. Concrete example]
A specific example of this embodiment will be described with reference to FIGS. 5 to 9. FIG.

[Different item automatic discrimination processing]
Here, an example of the difference item automatic discrimination processing according to the present embodiment will be described with reference to FIGS. 5 to 9. FIG. FIG. 5 is a flow chart showing an example of processing of the difference item automatic discrimination device 100 in this embodiment.

As shown in FIG. 5, when there is an application for loan screening and the user inputs application data via the input device 112, the application acquisition unit 102a acquires the application data and saves the acquired application data as an application file. The existing application data stored in 106a is overwritten and saved (step SB-1).

Then, the history registration unit 102b associates the history identifier with the application data stored in the application file 106a and registers it as an application history in the history file 106b (step SB-2).

Then, the comparative application history acquisition unit 102c controls the display of the output device 114 so as to select the application history to be compared, and when the user selects the application history to be compared via the input device 112, is obtained as a comparison application history (step SB-3).

Then, the difference acquisition unit 102d extracts the difference items between the comparison application histories acquired by the comparison application history acquisition unit 102c (step SB-4).

Then, the difference output unit 102e determines whether or not the difference item is extracted by the difference acquisition unit 102d (Step SB-5).

When the difference output unit 102e determines that the difference item is extracted (step SB-5: Yes), the process proceeds to step SB-6.

Then, the difference output unit 102e causes the output device 114 to display the difference contents of the difference items extracted by the difference acquisition unit 102d so that they can be compared (step SB-6), and ends the process.

On the other hand, when the difference output unit 102e determines that no difference item is extracted (step SB-5: No), the process proceeds to step SB-7.

Then, the difference output unit 102e causes the output device 114 to display a notification indicating that there is no difference item between the comparison application histories (Step SB-7), and terminates the process.

Here, an example of history registration processing according to the present embodiment will be described with reference to FIGS. 6 and 7. FIG. 6 and 7 are diagrams showing an example of history registration processing in this embodiment.

As shown in FIG. 6, in the present embodiment, when an application for loan screening is applied and the application data is registered in the application file 106a, the application data, applicant joint and several debtor data, property data and Create an application history including project data_history, applicant joint and several debtor data_history, property data_history, and fund data_history by linking the history number to the fund data, and register the application history in the history file 106b. do.

Then, as shown in FIG. 7, in this embodiment, the "date of birth" included in the application data shown in FIG. In this case, the project data, applicant joint debtor data, property data and fund data included in the latest application data are linked with the history number counted up by 1, and the project data_history, applicant joint debtor data_history, property An application history including data_history and fund data_history is created, and the application history is registered in the history file 106b.

A specific example of the difference item automatic discrimination process according to the present embodiment will be described with reference to FIGS. 8 and 9. FIG. FIG. 8 is a diagram showing an example of the comparison application history acquisition process in this embodiment. FIG. 9 is a diagram showing an example of the difference output processing in this embodiment.

As shown in FIG. 8, in this embodiment, when the user clicks on the comparison object selection screen to start the comparison object search screen for selecting the comparison object source, the comparison object search screen is started. are superimposed and displayed (step SC-1). Then, as shown in FIG. 8, in this embodiment, when the user clicks on the row of preliminary examination on the comparison target case search screen, the preliminary examination is set as the comparison target source (step SC-2). .

As shown in FIG. 8, in this embodiment, when the user clicks on the comparison object selection screen to start the comparison object search screen for selecting the comparison object, the comparison object search screen is displayed. It is activated and displayed in a superimposed manner (step SC-3). Then, as shown in FIG. 8, in the present embodiment, when the user clicks the row of the main examination on the comparison target case search screen, the main examination is set as the target of comparison (step SC-4). .

In this embodiment, as shown in FIG. 8, when the user clicks the difference display button on the comparison target selection screen (step SC-5), the difference between the comparison target source and the comparison target Items are extracted, and as shown in FIG. 9, the date of birth extracted as a difference item is displayed to allow the user to confirm the change.

[4. Other embodiments]
The present invention may be implemented in various different embodiments other than the embodiments described above within the scope of the technical idea described in the claims.

For example, among the processes described in the embodiments, all or part of the processes described as being automatically performed can be manually performed, or all of the processes described as being manually performed Alternatively, some can be done automatically by known methods.

In addition, unless otherwise specified, the processing procedures, control procedures, specific names, information including parameters such as registration data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings can be changed arbitrarily.

Also, with respect to the difference item automatic discrimination device 100, each component shown in the figure is functionally conceptual, and does not necessarily need to be physically configured as shown in the figure.

For example, all or any part of the processing functions of the difference item automatic discrimination device 100, especially each processing function performed by the control unit 102, is realized by a CPU and a program interpreted and executed by the CPU. Alternatively, it may be implemented as hardware by wired logic. The program is recorded in a non-temporary computer-readable recording medium containing programmed instructions for causing the information processing apparatus to execute the processing described in the present embodiment, and the difference item is automatically stored as necessary. It is mechanically read by the discriminating device 100 . That is, a storage unit such as a ROM or HDD (Hard Disk Drive) stores a computer program for giving commands to the CPU in cooperation with the OS to perform various processes. This computer program is executed by being loaded into the RAM and constitutes a control section in cooperation with the CPU.

In addition, this computer program may be stored in an application program server connected to the difference item automatic discrimination device 100 via any network, and all or part of it may be downloaded as necessary. It is possible.

Also, the program for executing the processing described in this embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, the term "recording medium" refers to memory cards, USB (Universal Serial Bus) memories, SD (Secure Digital) cards, flexible disks, magneto-optical disks, ROMs, EPROMs (Erasable Programmable Read Only Memory), EEPROMs (registered (trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magneto-Optical disk), DVD (Digital Versatile Disk), and Disc (registered trademark) such as Blu- shall include any "portable physical medium".

A "program" is a data processing method written in any language or writing method, regardless of the format such as source code or binary code. In addition, the "program" is not necessarily limited to a single configuration, but is distributed as multiple modules or libraries, or cooperates with a separate program represented by the OS to achieve its function. Including things. It should be noted that well-known configurations and procedures can be used for the specific configuration and reading procedure for reading the recording medium in each device shown in the present embodiment, the installation procedure after reading, and the like.

The various databases and the like stored in the storage unit 106 are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and are used for various processes and website provision. programs, tables, databases, and files for web pages.

Further, the difference item automatic discrimination device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. Further, the difference item automatic discrimination device 100 may be realized by installing software (including programs, data, etc.) for realizing the processing described in this embodiment.

Furthermore, the specific forms of distribution and integration of devices are not limited to those shown in the figures, and all or part of them can be functionally or physically arranged in arbitrary units according to various additions or functional loads. It can be distributed and integrated. In other words, the embodiments described above may be arbitrarily combined and implemented, or the embodiments may be implemented selectively.

INDUSTRIAL APPLICABILITY The present invention is useful in the financial industry that conducts loan screening operations.

100 difference item automatic discrimination device 102 control unit 102a application acquisition unit 102b history registration unit 102c comparison application history acquisition unit 102d difference acquisition unit 102e difference output unit 104 communication interface unit 106 storage unit 106a application file 106b history file 106c difference item master 108 input Output Interface Unit 112 Input Device 114 Output Device 200 Server 300 Network

Claims (9)

A difference item automatic discrimination device comprising a storage unit and a control unit,
The storage unit
history storage means for storing application data applied in loan screening as an application history in association with a history identifier ;
difference confirmation object storage means for storing a difference item master in which items to be difference confirmation objects are set ;
with
The control unit
a comparison application history acquisition means for acquiring the application history to be compared as a comparison application history;
a difference extracting means for extracting a difference item between the comparison application histories from the items to be checked for difference set in the difference item master ;
Difference output means for outputting difference content in the difference item in a comparable manner;
A difference item automatic discrimination device characterized by comprising: The comparative application history acquisition means is
2. The difference item automatic discrimination device according to claim 1 , wherein the application history to be compared is selected, and the selected application history is acquired as the comparison application history. The comparative application history acquisition means is
3. The method according to claim 2 , wherein the application history to be compared with the latest application history is selected, and the latest application history and the application history to be compared are acquired as the comparative application history. Difference item automatic discrimination device. The comparative application history acquisition means is
select the application history to be compared, and when the application history of the main examination is selected, obtain the application history of the main examination and the application history of the preliminary examination for the main examination as the comparative application history; or 3. The difference item according to claim 2 , wherein when the application history of the preliminary examination is selected, the application history of the preliminary examination and the application history of the main examination for the preliminary examination are obtained as the comparative application history. automatic discriminator. The comparative application history acquisition means is
selecting the application history to be compared, and when the application history of a reapplication is selected, obtaining the application history of the reapplication and the application history of the rejection application for the reapplication as the comparative application history; or 3. The difference item according to claim 2 , wherein when the application history of the rejection application is selected, the application history of the rejection application and the application history of the reapplication for the rejection application are acquired as the comparative application history. automatic discriminator. The control unit
an application acquiring means for acquiring application data when there is an application for loan screening;
history registration means for linking the history identifier to the application data and registering the application history as the application history in the history storage means;
6. The difference item automatic discrimination device according to any one of claims 1 to 5 , further comprising: The application data is
7. The difference item automatic discrimination device according to any one of claims 1 to 6 , wherein the item data, property data, applicant/guarantor data, and/or fund data are included. An automatic difference item discrimination method for executing a difference item automatic discrimination device having a storage unit and a control unit,
The storage unit
history storage means for storing application data applied in loan screening as an application history in association with a history identifier ;
difference confirmation object storage means for storing a difference item master in which items to be difference confirmation objects are set ;
with
to be executed by the control unit;
a comparison application history acquisition step of acquiring the application history to be compared as a comparison application history;
a difference extraction step of extracting a difference item between the comparison application histories from the items to be checked for difference set in the difference item master ;
a difference output step of outputting difference contents in the difference item in a comparable manner;
A difference item automatic discrimination method, comprising: A difference item automatic discrimination program for being executed by a difference item automatic discrimination device comprising a storage unit and a control unit,
The storage unit
history storage means for storing application data applied in loan screening as an application history in association with a history identifier ;
difference confirmation object storage means for storing a difference item master in which items to be difference confirmation objects are set ;
with
In the control unit,
a comparison application history acquisition step of acquiring the application history to be compared as a comparison application history;
a difference extraction step of extracting a difference item between the comparison application histories from the items to be checked for difference set in the difference item master ;
a difference output step of outputting difference contents in the difference item in a comparable manner;
Difference item automatic discrimination program for executing

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